Mechanisms of combined consulting implementation in banking institutions

Innovations (combined consulting) are currently recognized as a significant direction in the activities of banking institutions that have a direct impact on the profitability of the banking sector. The analysis of the effectiveness of activities in terms of combined consulting reveals the level of effect, which demonstrates the further vector of banking operations. We can note the existing relationship between the social levels of society, the goals of their financial life and their achievement. These factors affect the mechanisms of banking, including the formation of bank capital. The issues of forming a public need for innovations are mediated by the mechanisms for their implementation, which directly depend on the situation on the market, namely the real level of profit that market participants receive using combined consulting and profit margins without consulting. In the case of direct financial interest (the level of profit when using innovation is higher), the use, implementation and use of combined consulting becomes obvious. Combined consulting in banking management is especially relevant when the financial effect (profit) of innovation (human capital, knowledge, skills, competencies, qualifications) is high and there is a close correlation -profit-innovation (combined consulting). For the first time, a combined consulting model has been proposed, the essence of which is to attract competent outside specialists to solve important tasks of a banking institution, including for capital formation.